USAA Insurance Review
USAA is a good insurance company that is rated 3.3/5 by WalletHub’s editors, based on customer reviews, insurance quotes, and ratings from third party organizations. USAA reviews from consumers often praise the company's low prices, but there are reports of poor customer service and a slow claims process, too.
USAA’s NAIC rating is 2.35, which means it has received more complaints than the average car insurance provider. Among those complaints are reports of delays and denials of claims, as well as unsatisfactory settlement offers. In addition, it’s important to note that USAA insurance policies are only available to members of the United States military and their spouses and children.
USAA Insurance Ratings
- Reviews on WalletHub: 2.8/5
- J.D. Power: 4.5/5
- NAIC: 2.35
- BBB: B+
- A.M. Best: A++
- S&P: AA+
- Moody’s: Aaa
USAA Auto Insurance Review Highlights
Rank — Cheapest quartile among major car insurance companies, according to WalletHub’s research.
Top Discounts — Safe driver (if you maintain a good driving record for 5 years), vehicle storage (up to 60% when you store an insured car), military installation (up to 15% off comprehensive coverage when you garage a vehicle on base), and loyalty (up to 10% if your parents have a USAA auto insurance policy).
Basic Coverage Options — Bodily injury liability, property damage liability, medical payments, comprehensive, collision, and uninsured/underinsured motorist.
Extra Coverage Options — Roadside assistance and accident forgiveness.
Specialty Auto Insurance — Rideshare and classic car insurance.
To help drivers better understand how much USAA car insurance costs, WalletHub’s editors obtained sample USAA auto insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full USAA Insurance Review.
USAA Auto Insurance Quotes
|Driver Profile||Average Quote|
|18-Year-Old||$130 / month|
|21-Year-Old||$77 / month|
|45-Year-Old||$53 / month|
|45-Year-Old with a Speeding Ticket||$58 / month|
|45-Year-Old with a DUI||$153 / month|
|55-Year-Old||$52 / month|
|65-Year-Old||$53 / month|
Car insurance from USAA is very affordable. The company ranks in the cheapest quartile among major car insurance providers, according to WalletHub’s cost comparison data.
USAA Home Insurance Review Highlights
USAA offers traditional homeowners and renters insurance policies. The company also offers coverage for condo owners and landlords.
A homeowners insurance policy from USAA protects your home and other structures on your property from damage caused by risks such as fire, theft, vandalism, most weather events, and more. It also covers the cost to repair or replace your personal belongings if they are damaged or lost due to a covered event. Plus, homeowners insurance from USAA will help pay for additional living expenses if your home is being repaired because of a covered loss.
Renters insurance from USAA covers your personal belongings in your rental from more than a dozen risks, including fire, hail and theft. Its liability coverage also protects you financially if a guest gets hurt, or their property is damaged, while visiting you at home. Another major perk of a USAA renters insurance policy is that it protects your possessions from damage caused by floods and earthquakes. USAA renters insurance covers your belongings if something happens to them while you’re moving them or they’re in storage, too.
Homeowners can add the flood and earthquake insurance policies that come standard with renters insurance as well.
Bottom Line: Is USAA a Good Insurance Company?
USAA is a really good insurance company for members of the military community, thanks to the cheap premiums and generous discounts with its auto, property and life insurance policies. USAA earned a rating of 3.3/5 by WalletHub’s editors as USAA could work on improving its customer service and claims handling process.
To learn more, read WalletHub’s complete USAA insurance review, or check out some of the reviews from fellow consumers below.